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Who can sign up for Shyft?

In order for you to use Shyft, you must be a permanent South African Resident or a Foreign National, 18 years or older.

No, Shyft is available to both Standard Bank and non-Standard Bank clients.

The app is free, but minimal charges apply for certain transactions. Charges are clearly shown before each transaction, so you will always know exactly how much you are spending.

If you have forgotten your password, use the "Forgot Password" link from the login screen to set a new password. You will need the answers to the security questions to do this. If you have logged into the app and want to change your password, open the menu icon at the top left of the screen, select “Preferences”, then select "Reset Password", enter and confirm your new password.

Please send an email with a copy of your ID and proof of address to shyftoperations@standardbank.co.za. You will receive confirmation once your details are updated.

Once you've logged into the app, select the menu icon at the top left of the screen, select "Preferences", then select "Biometrics" and toggle to activate your biometrics login.
ZAR Wallet Top Ups
How do I get Rands into my ZAR Wallet?

Once you've logged into Shyft, select the ‘Transact’ tab at the top of the screen on the navigation panel. Make sure that you are in your ZAR Wallet, by clicking on the South African Flag, then Click the ‘...’ button on the right of the screen to activate the "Options" menu. Select "Top up". Use the provided details and instructions when making an EFT to your Shyft ZAR wallet.

Once you've logged into the app , select the menu icon at top left of the screen then select "Personal Details." Your "Shyft Reference Number" will appear below your name and the trading limit.

Please send your proof of payment to support@getshyft.co.za and we will assist in tracing your payment and allocate it to your ZAR wallet. Please ensure that you have correctly entered your unique reference number. This can be found in the Profile section of the app. If you did an EFT from a bank other than Standard Bank, you can expect your funds to reflect within 2 business days, as per standard transfer times. If the funds are still not reflecting after this period, please send you proof of payment to support@getshyft.co.za.

Once you have logged into the app, from the homescreen, select the "Transact Tab" on the navigation panel at the top of the screen. Select the ZAR currency wallet then select the "..." and select "Request a Refund". Enter the amount you would like to be refunded. If you are not an existing Standard Bank customer, the app will request the bank account details to which the refund must be paid, otherwise, the refund will be paid to the Standard Bank account with the number you used to register with Shyft.

Yes, you can make cash deposits to fund your ZAR wallet. You can do this either via the Standard Bank branch network or cash accepting ATMs. Please remember to use your unique Shyft reference number to ensure that the deposit is quickly allocated to your wallet.
ZAR Wallet Refunds
What is a refund?

A Shyft refund involves returning funds from your Shyft ZAR wallet to your personal bank account.

Once you have logged into the app, from the homescreen, select the "Transact Tab" on the navigation panel at the top of the screen. Select the ZAR currency wallet then select the "..." and select "Request a Refund". Enter the amount you would like to be refunded. If you are not an existing Standard Bank customer, the app will request the bank account details to which the refund must be paid, otherwise, the refund will be paid to the Standard Bank account with the number you used to register with Shyft. You will not be able to refund any FOREX via this flow. To refund your forex follow the transfer forex to ZAR process.

○ For existing Standard Bank customers, refunds will always be paid to the account number that was used to register for Shyft. ○ For non-Standard Bank customers, banking details will only need to be specified on the first refund request, once the account details are verified, refunds will always be paid to this account.

A refund request will be processed within 48 hours. There may be an additional waiting period for the funds to reflect in your account after the refund has been actioned.

Only the ZAR wallet permits refund requests, therefore Shyft will only refund in South African Rands.

Shyft does not currently support the conversion of foreign currencies back to South African Rands. In order to withdraw funds from your foreign currency wallets, you would need to add yourself as a beneficiary and make a payment via international bank transfer from within the app, to your specified account.

A flat fee of R35.00 will be charged for refunds, regardless of the refund value. This fee will be deducted from the ZAR wallet in addition to the amount that is deducted for the refund.
Buy Foreign Currency
What is an SDA?

The Single Discretionary Allowance (SDA) is a limit set by the South African Reserve Bank (SARB). For permanent South African residents with a valid South African ID, the SDA limits you to a total of R1 million for 'offshore activities' each calendar year. This applies to all your transactions and not just those in Shyft. It is your responsibility to make sure you stay within this limit. As a foreign national, you may not buy Foreign Currency with funds that you brought into the country or which are ring-fenced. Only funds which you have received or earned in South Africa can be used. You are also only able to buy Foreign Currency during the period for which there is a valid work permit and in accordance with the limits applicable to you, as calculated at the time of your Standard Bank account.

BOP, also referred to as Balance of Payments, are reports provided to the South African Revenue Services and/or the Financial Intelligence Center to notify them of all funds that has left the country as well as the reason for it. For permanent South African residents with a valid South African ID, all Shyft transactions are reported under the BOP Category Code of 511 04 - Foreign investment by a resident individual not related to the investment allowance – Deposits with a foreign bank. For Foreign Nationals, all Shyft transactions are reported under the BOP Category Code of 417 - foreign national contract worker remittances, excluding compensation.

If you exceed your R1million limit in Shyft, you will be blocked from transacting for the rest of the calendar year. But remember, that you are responsible for ensuring that you do not exceed your limit across other products too. You can see the amount of foreign currency you have purchased on Shyft in the Profile section of the app. As a foreign national, if your work permit becomes invalid or expires, or if you reach your limit in terms of the amount of funds you are able to externalize, you will not be able to purchase any further foreign currency through Shyft. However, you will still be able to make use of the foreign currency you have already purchased to make international payments and spend on your virtual and/or physical cards.

Select the "Forex Tab" on the navigation panel at the top of the screen then select “Buy” in your desired currency. Enter the amount of Forex you want to buy or select ZAR as your indicative currency and enter the amount of ZAR you want to spend, then select “Get a Live Rate”. Read and accept the declaration to get your live rate. Select “Buy now” to confirm your purchase. You will receive a confirmation pop-up with the amount of forex you have just bought.

Standard Bank charges a fee on all foreign exchange transactions. This is included as part of the live rate that you are quoted in the process of purchasing foreign currency. The price you see is the price you pay and there are no additional costs for purchasing foreign exchange through Shyft.

You will need to create your South African bank account as a beneficiary on the app. You can then make an international payment to your account. This transfer will be treated as a normal international payment and the amount will be converted to ZAR when it reaches your account. This transfer may incur the same payment fee for an international payment and conversion fees may be applied by the receiving bank when the foreign currency is converted to ZAR. Correspondent banking fees may also apply. Please note that these additional fees are not fees charged by Shyft. Shyft is in no way responsible for the exchange rate at which the funds are converted once the funds reach the South African account, nor for the conversion fees that may be applied. If you have any queries regarding payments made to your South African account, please contact the inwards payment department of your bank.

Yes, you can collect 50 Tiering Points when you Top Up your ZAR wallet and purchase R7500 worth of forex within a 12-month rolling period.
Send Money
How do I add a beneficiary?

Once logged into the Shyft app, from the home screen select the "Transact tab" at the top of the navigation panel. Choose the currency that you want to use to pay the beneficiary in. When in the desired "Currency Wallet", select “Payments.” Select “International Transfer”. Select Create Beneficiary. In the pop up menu, select “International Bank Account." Select the beneficiary type (“Myself”, “Someone else”, or “A company”); Select the currency that you want to send; select the country that you are sending funds to and confirm. Fill in the Beneficiary Details and select “Add Beneficiary”.

International payments are charged at a flat fee per transaction. This fee varies depending on the currency being sent. For transfers to standard international bank accounts, the following fees apply: USD payments - USD 14.00; GBP payments - GBP 10.00; EUR payments - EUR 12.00; and AUD payments - AUD 18.00. For international payments to Standard Bank Isle of Man, Jersey and Webtrader beneficiaries created using the pre-loaded beneficiary creation flow, the following fees apply: USD payments - USD 10.00; GBP payments - GBP 8.00; EUR payments - EUR 9.00; and AUD payments - AUD 13.00. Shyft keeps you in control by showing exactly how much each transaction will cost before you make the payment.

On the navigation panel, at the top of the screen, select the “Transact tab" and choose the currency that you would like to send. Select "Payments". On the "Payments" screen, select the "Standard Bank Offshore Account" button and then select "Create a Beneficiary". You will get a pop-up screen called "Options" then select "Standard Bank Isle of Man."

From the homescreen, select the "Transact Tab", then select your desired currency and then "Payments". On the Payments screen, select "International Transfer", select "Create a Beneficiary" and then an "Option" menu will pop-up. Select Webtrader from the menu and fill in the relevant fields. Please note, you need to use your Webtrader account number as your beneficiary reference.

If you pay in a currency that is not the domestic currency of the country of the beneficiary’s bank, the recipient may receive less than what you’ve sent. Intermediary banks are likely to levy additional charges and the receiving bank is likely to convert the payment to a local currency, which means that the amount received cannot be predicted.

Payments to international bank accounts are limited in the size of transaction: USD: 75,000; GBP: 55,000; EUR: 60,000; and AUD: 90,000. Users who are permanent South African residents with a valid South African ID can transfer a maximum of R1mil per a calendar year. If you are a Foreign National, you may not make an International Payment with funds you brought into the country or which are ring- fenced. In addition, only funds which you have received or earned in South Africa can be used.

You will receive an email when the payment has been sent. This email may take a few days (up to 3 working days) to arrive. This does not confirm receipt of funds by the beneficiary, only sending of the payment. Only your beneficiary or their bank is able to confirm the actual receipt of the funds.

The beneficiary that you are paying should be able to provide those details for you.

IBAN: International Bank Account Number. This is used to identify the bank you are sending money to. Do not enter spaces between characters. Ensure that you have right code from the beneficiary. BIC SWIFT: Business Identifier Code & SWIFT code. You will need to get the code from the beneficiary, and is bank specific. Do not enter spaces in between characters. Ensure that you have the correct code from the beneficiary. ABA: Routing transit number. This is used to identify financial institutions in the USA. Do not leave spaces in between characters. Ensure that you have the correct code from the beneficiary. There are three potential types of routing number. Please ensure you use the Electronic payment Routing Number, or the FedACH routing number. Do not use the Wire transfer routing number as US payments are sent from within the US and may be returned as a result. Sort Code: This is a six digit number that identifies the bank and the branch of the bank. Do not leave spaces in between characters. Ensure that you have the correct code from the beneficiary. BSB code: A BSB (Bank-State-Branch) is a six-digit number that identifies banks and branches across Australia. Do not leave spaces in between characters. Ensure that you have the correct code from the beneficiary.

It is not always possible to cancel a beneficiary payment, depending on how far along the payment has progressed. Contact the support team via the in-app chat if you need to cancel a payment and they will be able to let you know if it's possible.

The countries that appear on the list are countries where payments are allowed to be sent.

As a guideline, payments to beneficiaries for the following purposes are not permitted: · Payments for the purpose of gambling (Paying gambling institutions); · Any and all purchases related to arms dealing; · Adult entertainment of any kind; and · Purchasing of drugs/drug paraphernalia.

No, all payments for the purpose of purchasing crypto currency will be unsuccessful as they currently fall outside of our risk appetite.

USD payments to a beneficiary in the USA are made through the domestic ACH network and fall under the category of electronic payment (often referred to as direct deposit or ACH payments). These payments are not wire payments. Please ensure to enter the ABA number for direct deposit or ACH payment in the ABA field when creating a beneficiary. If you make use of the wire ABA number, this will result in the payment failing. Due to the nature of ACH payments, we unfortunately cannot recall or put a trace on any payments made through the ACH network.

The Central Bank of The United Arab Emirates (CBUAE) introduced a new Purpose of Payment Code for all SWIFT payments received into and sent from bank accounts held within the UAE. You would need to get this code from your beneficiary. Do you have a saved UAE beneficiary? If so, please delete any saved beneficiaries for the UAE and re-create them with the correct Purpose of Payment code
Physical Cards
How do I order a physical card?

Once you have logged into the Shyft app, from the homescreen select the “Transact tab" and choose a currency. Select “Cards” just below your total balance breakdown. Select “Order Physical Card”. Select the number of cards you would like to order and enter the delivery details: The Shyft Physical Rand Card - can order up to 5 The Shyft Physical Multi Currency Forex Card - up to 3 The Shyft Union Pay card - Up to 1 Preferably use an address where you will be available in the week during office hours (08:00 - 17:00). The Shyft Physical Mastercard delivery will take 3–5 business days.

Yes, each user can order and link up to 3 physical cards. Simply select how many cards you would like to order on the card order screen.

The current card fee is R120.00 (incl. VAT) per a card. This is subject to change without notice.

Once you have received your card, login to the app, from the homescreen select the “Transact Tab" on the navigation panel. Choose a currency wallet, select “Cards” (just below your total balance breakdown). Select “Link Physical Card”. Enter your 16 digit card number and give the card a specific name, create a 5 digit PIN, confirm the 5 digit PIN and select “Link Card”. The card will now be displayed in the “Cards” screen under the currencies that the card supports.

Delivery within major metropolitan areas (JHB, CPT and DBN) should be within three business days. Delivery outside of major metropolitan areas should be within five business days.

ATM withdrawal fees are charged at a flat rate per a withdrawal. The fees are as follows: USD: 3.3; GBP: 2.2; EUR: 3.3; and AUD: 4.8.

POS transactions: The physical card can be used for a maximum of 25 POS transactions per a day. The sum of the transactions per a day are limited to the following amounts: USD:13 000; GBP: 10 000; EUR: 11 500; and AUD: 17 000. ATM withdrawals: The physical card can be used for a maximum of 12 ATM withdrawals per a day. The sum of the withdrawals per a day are limited to the following amounts: USD: 2500; GBP: 1500; EUR: 2100; and AUD: 3750.

Tap-and-go transactions are limited to the following amounts per a transaction: USD: 50; GBP: 30; EUR: 50; and AUD: 100.

No, Shyft does not charge any transaction fees for swiping the physical card.

Only withdraw cash from from well-known banks & avoid unbranded or stand alone ATMs. If prompted by the ATM, never accept conversions to or from a currency that is not loaded on your physical card.

First check that you have topped up the card by transferring funds from your currency wallet to the card. Select the “Transact” tab at the top of your homescreen. Choose the currency with which you want to top up your card and select “Cards” just below the total balance breakdown. Choose a “Physical Card” and tap on it. Then select “Top Up Card”. Enter the amount you would like to put on the card, select “Top Up” and confirm. The funds will be moved from the wallet to the card. You can see the balance of the card by opening it from the “My Cards” screen, or view the total balance of all your cards, per currency, under the respective Currency Wallets, in the balance breakdown.

To change the card pin, select the “Transact tab" from the homescreen and choose a currency pocket. Select “Cards” (just below your total balance breakdown). Select the card that you wish to reset your PIN, scroll down and select change pin.

Disabling a card only deactivates it temporarily until you decide to re-enable it. Once re-enabled, the card can be used again. Deleting a card deactivates the card permanently. A deleted card is canceled and cannot be reactivated or used again.

Immediately login to the app, select the "Transact tab" at the top of the naviagtion panel. Select the currency wallet that your card is linked to and then select the card you would like to stop. Tap on the "Enabled" icon below the card, the icon should change to "Disabled". You can then choose to return any remaining balances on your card to your wallet. You will be able to order a new card by clicking on the “Order Physical Card” button. If the lost/stolen card has been used fraudulently, please contact support and provide them with the details of the fraudulent transactions.

Select the "Transact tab" from the navigation panel at the top of the screen and then select the relevant currency wallet you would like the card statement from. Select "Cards", just below "Total Balance" and select the desired card. Once you have selected your card, select the "Transactions" button in the menu below the "Card Balance" and then select "Statement" at the top-right of the screen.

Shyft offers our users a choice between two payment methods, namely MasterCard and UnionPay International (UPI).

Each payment method is accepted by different countries/regions. However, the UnionPay International is more widely accepted across China preferred to Visa and MasterCard.

MasterCard ATM locations and countries of acceptance can be found by accessing the below link: https://www.mastercard.us/en-us/consumers/get-support/find-nearest-atm.html UnionPay ATM locations and countries of acceptance can be found by accessing the below link: https://www.unionpayintl.com/cardholderServ/serviceCenter/atm?language=en

A MasterCard is any electronic payment card that uses the MasterCard network and other networks that have signed contracts with MasterCard for processing transaction communications. MasterCards are typically branded with a MasterCard logo. A UnionPay card is any electronic payment card that uses the UnionPay network and other networks that have signed contracts with UnionPay for processing transaction communications. UnionPay cards are typically branded with a UnionPay logo.

The card is a pre-funded card that needs to be topped up before it can be used.

Users are not able to link their UnionPay cards to either AliPay or WeChat. It is unclear whether there are other wallet based apps that this card can be linked to.

The card is not available for purchases online.

The card is a USD bin, so can be used anywhere that USD is accepted. The card can not be used in SA.
Virtual Cards
What is a virtual card?

Virtual cards are online cards that are not physically issued by the card provider. They can be used locally or internationally and it operates just like any other credit card. It is available for each of the supported currencies: USD, AUD, GBP, EUR and ZAR

Yes, but only the Shyft Virtual Rand Card can be used on South African websites.

Yes, virtual cards support 3Dsecure websites. You have to ensure that your 3D Secure code is set on the virtual card before it is used.

Disabling a card only deactivates it temporarily until you decide to re-enable it. Once re-enabled, the card can be used again. Deleting a card deactivates the card permanently. A deleting card is cancelled and cannot be reactivated or used again.

Select the "Transact' tab, select the currency and then select "Cards" underneath "Total Balance." Select the Virtual Card you would like to change the 3D secure code. Scroll up in the menu until you see "Change 3D Secure Code", select it. Enter your new 3D Secure Code and confirm.

Disabling a card only deactivates it temporarily until you decide to re-enable it. Once re-enabled, the card can be used again. Deleting a card deactivates the card permanently. A deleting card is cancelled and cannot be reactivated or used again.

No, Shyft does not charge any fees for transacting with the virtual card online. There are also no fees charged for topping up the virtual card.

Unfortunately, the virtual card is not currently supported by Uber, as they do not accept prepaid cards as a form of payment.

Your virtual cards are grouped according to expiration status i.e. whether they are “Valid” (green), “About to Expire” (orange) or “Expired” (red). When a Virtual card is due to expire in 30 days, you will be notified via email and the card status will change to “About to expire”. When a virtual card has expired, you will be notified via email and the full balance on the card will be automatically transferred from the card to your currency wallet. You can view your expired cards and get statements for expired cards by selecting the “Expired Cards” option on the side menu screen.

Virtual cards expire 5 years after they are created.

Select the "Transact" tab and the relevant currency wallet you would like the card statement from. Select "Cards", just below "Total Balance" and select the desired card. Once you have selected your card, select the "Transactions" button in the menu below the "Card Balance" and then select "Statement" at the top-right of the screen.
Travelling with Shyft
Remember to top up your Shyft card before travelling

For security purposes, the Shyft Physical Card is not automatically linked with the funds that you have purchased in your currency wallets. You will need to ensure that you transfer funds from your currency wallet to your Physical Card in order for it to function. This is done in your Shyft currency wallets.

The Shyft app does not make use of OTPs, however, the Standard Bank mobile app does. If you are do not have roaming enabled while travelling, your OTPs will not be received. Set up your OTP to be sent to your email address to be sure that you are able to transfer funds from your mobile banking app to your ZAR wallet. If you are having issues with your OTP, contact ibsupport@standardbank or your Private Banker to assist with this. You are able to set OTPs to be delivered to your email address instead of your cell phone number.

Shyft currently offers 4 currencies on the platform - USD, EUR, GBP and AUD. In the countries where their local currency is different from these four currencies, you will be charged a conversion fee. This conversion fee is charged by the merchant bank, and is outside of Shyft’s control. All charges related to Shyft are displayed on the card transaction log/statement.

ATMs abroad have varying settings which differ from country to country, and bank to bank. Some ATMs can request a currency conversion even if you are transacting in the local currency. Never accept a conversion if you are not comfortable with it. Best practises are to use the ATMs that are at local bank branches and that are branded with the local banks branding. Avoid pop-up ATMs at tourist hotspots and the following ATMs whenever possible - EURONET and EUROBANK, they will charge very high conversion charges that are not associated with Shyft.

The cards with the expiry date 04/23 are set up in such a way that it comes with a preset PIN, this PIN will be on the information sheet that came with the card. If you do not have that PIN, or have changed your PIN, please contact Shyft support.

If you have lost your card while travelling, please remove all funds from your card and set the card to inactive. We do not offer International deliveries at this time. You will need to order a new card to be delivered to a designated person and they will need to courier the card to you. Please contact Shyft support when you have ordered the card so they may assist with this.

Many hotels ask for an authorisation amount when checking in. Upon the return of the funds from the hotel, please get a proof of the return and we can attempt to get the funds back as soon as possible. The Standard time frame for the return of the funds is 7 business days. Please take this into account when contacting Support for assistance.

You can order and link up to 3 Physical MasterCards and 1 UnionPay International Card to your Shyft profile. These physical cards can be kept as a back-up in or be given to your family and friends to use.
Security
I lost my phone. What should I do?

Please download the app on a new phone and reset your password immediately.

Open the Shyft app and change your password immediately. Select the menu at the top left of the screen, select "Preferences" and then select "Reset Password". Type your "Old Password", enter a "New Password" and re-enter your new password into "Confirm Password." **Please ensure that your password is not shared with anyone**
Contact Us
I am stuck, and my question is not answered in this FAQ. How do I get more assistance?

You can reach us via the Live Chat directly from the Shyft app. To start the Live Chat, tap on the question mark icon in the top right corner of the screen. Alternatively, you can leave a message for us from the Contact Us page on the Website (getshyft.co.za). Our consultants are available from 9am to 5pm, Monday - Friday.

You can request a call back by clicking on the Support icon in the navigation bar, then click the “Request support call back” button. Please fill in your details and the nature of the request, and a support agent will call you back within 24 hours. All requests will be dealt with on a priority basis.

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开始
我可以使用Shyft应用吗？

Shyft的用户必须是南非永久居民或18岁以上居住在南非的外籍人士，且拥有标准银行往来或储蓄账户。此外，我们还需要您提交所有FICA要求的信息和文件。

是的，您必须拥有标准银行往来或储蓄账户。如果尚未拥有上述账户，可以按照登录流程的指示，获得一个新的银行账户。当所有注册信息提交完成后，本行的客服人员将会以电话方式跟您联系，并协助您完成开立标准银行账户的流程。

Shyft是免费应用，但特定种类的交易将收取少量费用。交易费用将在交易完成前清晰显示在界面上，供您查阅。

如果您已经登入应用，请打开屏幕左上角的菜单图标，并在下拉菜单中选择“Reset password”。如果您忘记了您的密码，请点击下拉菜单中的“Forgot Password”来设置新密码。在重新设置密码前，您需要回答原先设置的安全问题。

请将您的个人和地址证明发送至 shyftoperations@standardbank.co.za. 当信息更新完成后，您将会收到确认信。
ZAR钱包充值
如何将兰特存入ZAR钱包？

您需要使用电子资金转账（EFT）功能，将兰特转入您的Shyft银行账户。在Shyft应用中进入ZAR钱包，”Topup your ZAR Wallet”，并按照指示操作。请记住，在使用EFT功能时，您需要填写您的识别码，以便将资金迅速体现在您的钱包内。

您注册Shyft应用后，会收到一封含有您的识别码的激活邮件。此外，您还可以在应用中的个人菜单里找到该识别码，或者点击ZAR现金页面上的“Top up”按钮。

请将您的支付凭证发送至 support@getshyft.co.za，我们将协助追踪您的支付，并更新您的ZAR钱包余额。请确保您准确无误地输入您的识别码。该识别码可在应用的个人菜单中查询 如果您从其他银行进行EFT电子资金转账，按照正常的工作流程，您的资金将在2个工作日内体现。如果2天后您仍未收到转账，请将支付凭证发送至 support@getshyft.co.za。

选择ZAR现金页面，点击“request refund”，输入您想要退款的金额，并确认退款请求。请注意，标准银行将从退款总额中扣除35兰特的手续费。退款仅能退回到您原先关联至Shyft应用时填写的银行账户。
购买外币
什么是SDA?

单次酌情限额（SDA）是南非储备银行（SARB）设置的购买外币限制。对于拥有有效南非ID的南非永久居民， SDA的总额为每年一百万兰特，可用于“离岸活动”。这一限额包含您的所有交易， 而不仅是您通过Shyft进行的交易。您应确保您的交易不超过上述限额。作为外籍人士， 您不能使用带入本国的资金或绝缘防范性资金购买外币。您只能使用您在南非收入的资金进行外币购买。 您只能在有效的工作许可期限内购买您的标准银行账户允许限额的外币。

BOP是指支付余额（Balance of Payments)，是提供给南非税务局和相关金融监管机构的报告， 告知所有汇出南非的资金数额及汇款用途。对于拥有有效南非ID的南非永久居民，所有Shyft交易都记录在BOP分类码511 04类别——与投资收入无关的居民外国投资——向境外银行存款。对于外籍人士，所有交易都记录在BOP分类码417类别——外籍合同务工人士汇款——不含补贴。

如果您通过Shyft进行效益的限额超过了一百万的限额，您的账户在今年内将被冻结。请确认， 您必须确保您其他产品的交易金额也同时不超过限额。您可以在Shyft应用的个人菜单页面查询您已经购买的外币金额。 对于外籍人士，如果您的工作许可过期或失效，或您已达到当期购买外币的限额，您将不再能够通过Shyft购买外币， 但仍可通过已经购买的外币进行国际支付，以及用于您的虚拟和/或实体银行卡。

在ZAR钱包中存入兰特之后，点击导航栏中间的交易按钮，选择“Buy Foreign Currency”，选择外币币种和购买数额，并确认购买。

标准银行对外汇交易收取一定的费用。这一费用包含在您购买外币时使用的实时汇率中。您看到的价格即是您实际的交易价格，使用Shyft购买外币无需支付额外费用。

您需要使用Shyft 应用，创建一个南非银行账号作为收款人，之后通过国际支付向您的账号汇入钱款。 此类交易将被视作一般的国际支付，并在汇到您的账户时自动兑换为ZAR。此类交易将收取国际交易费用， 兑换费用以收款银行为准。此外，中转行也可能收取一定的手续费。请注意这些额外费用并非由 Shyft收取。 Shyft不对汇入南非账户的外币转换成本币的汇率负责，也不对任何由此收取的费用负责。如果您有任何汇入钱款相关的问题， 请联系您的开户行的汇入汇款部门。
转账
如何添加收款人？

点击导航面板上的交易按钮，点击“Send Money”，选择“add beneficiary”，选择您要转入的账户类型，并输入其他相关信息，以创建收款人。

每笔国际支付将收取固定的费用，取决于转出方的币种。转入标准的国际银行账户，按照下列标准收费：美元：每笔14美元； 英镑：每笔10英镑；欧元：每笔12欧元；澳元：每笔18澳元. 对于收款方位于标准银行曼岛、泽西岛，以及使用储值账户创建的 WebTrader 收款人账户，采取下列收费标准： 美元：每笔10美元; 英镑：每笔8英镑; 欧元：每笔9欧元; 澳元：每笔13澳元. Shyft在每次支付完成前清晰展示每笔交易收取的手续费。

点击导航面板中的交易按钮，点击“Send Money”，之后在收款人账户类型中选择“Standard Bank Isle of Man / Jersey”。只需输入您的离岸账号和识别码，就可创建您的标准银行曼岛和/或泽西岛账户。

可以！您只需在创建收款人时选择WebTrader账户类型，之后选择想要转账的币种并输入您的WebTrader识别码。您的WebTrader识别码可确保您的资金自动转入您的交易账户。识别码为： 一个7位数字的识别码，或 一个10个字母符号的识别码，以USD, GBP或EUR为结尾。

如果您转入的币种不是收款银行所在国的流通货币，该收款人收到的金额将少于您转出的金额。 中转银行也将收取额外的费用，并且收款银行会将货币兑换为本国流通货币。这意味着，收款人最终收到的钱款金额未定。

向国际银行账户转账限额如下：
美元：75,000;
英镑：55,000;
欧元：60,000;
澳元：90,000.
拥有有效南非ID的南非永久居民用户每年最多可转出一百万兰特。 外籍人士不得使用带入南非的资金或绝缘防范性资金进行国际支付。此外，只有在南非境内的收入才可进行此类支付。

款项汇出后3个工作日内，您将收到一封邮件。该邮件并非确认收款人已经收到款项，仅表明款项已经成功汇出。只有收款人及其银行才能确认款项是否已经收到。

收款人可向您提供上述信息。

仅在特定的情况下可以撤销汇款。取决于汇款在途时间。使用Shyft应用的聊天功能，联系技术支持团队尝试撤销汇款。技术人员会回答您是否可以撤销。

列表仅显示支持汇款的国家。

付给收款人的款项不允许进行下列活动：赌博（付给赌场）； 任何与武器交易相关的支付活动；任何类型的成人娱乐；购买毒品/吸毒用品。

不能。由于加密数字货币交易不符合我行的风险偏好，所有向此类账户的汇款均无法进行。

IBAN：国际银行账号。该账号用于识别您转账的接受银行。字符之间不要输入空格。确保您从收款人那里获得正确的账号。
BIC/SWIFT：业务识别代码&SWIFT码。您须从收款人处获得上述信息。这一编码是每个银行特有的。字符之间不要输入空格。确保您从收款人那里获得正确的账号。
ABA：汇款路径号码。该编码用于识别美国的金融机构。字符之间不要输入空格。确保您从收款人那里获得正确的号码。汇款路径号码有三种类型：请确认您使用的是电子支付路由号码，或FedACH路径
路径号码。不要使用有线支付路径号码，因为可导致来自美国境内的汇款被退回。字符之间不要输入空格。确保您从收款人那里获得正确的号码。
BEB码：一个BSB（支行代码）是一个6位数字的识别码，可用于识别澳大利亚境内的银行及其支行。字符之间不要输入空格。确保您从收款人那里获得正确的号码。
虚拟银行卡
何为虚拟银行卡？

虚拟银行卡与实体银行卡不同，可用于互联网网店采购。它的功能与其他类型的信用卡相同，并支持下列货币：美元、澳元、英镑和欧元。

不能。虚拟银行卡不能在南非的支付网站使用。如要使用，可能导致额外的费用。且无法发挥虚拟银行卡的各种优势。

可以，虚拟银行卡支持3D安全网站。使用前您必须设置好您的虚拟银行卡的3D安全码。

点击虚拟银行卡图标，点击屏幕右上角的垂直省略号，之后点击“change 3D secure code”。

禁用一张银行卡仅使该卡不再能使用，直到您重新激活它。重新激活后，该卡仍可正常使用。删除一张银行卡将使这张卡永远不能使用。银行卡一旦删除，不可再次激活或使用。

不，任何使用虚拟银行卡完成的在线交易，Shyft应用均不收取费用。为虚拟银行卡充值也不收取任何费用。

很遗憾，目前虚拟银行卡不支持与Uber关联，因为Uber不接受预付卡支付方式。
实体银行卡
如何申请实体银行卡？

登入Shyft应用，进入钱包，点击“Order Physical Card”按钮，填写所有必要信息 。您的实体银行卡将寄到您预留的地址。

目前，卡片邮寄费为 R120.00（含增值税）。该费用如发生变化，恕不另行通知。

收到银行卡后，请您登入Shyft应用，进入钱包界面，点击“Link a Physical Card”按钮。填写卡面上的16位卡号，并点击OK按钮。添加成功后，您可以将外汇钱包内的资金转到银行卡并开始使用银行卡。

主要城市市区将在3个工作日内送达。其余区域5个工作日内送达。

ATM取现费用每笔固定。标准如下：
美元：3.3美元;
英镑：2.2英镑;
欧元3.3欧元;
澳元：4.8澳元.

POS机交易：实体银行卡每天最多可完成25笔POS交易。每天交易总限额如下：
美元：13000美元;
英镑：10000英镑;
欧元：11500欧元；
澳元：17000澳元.

ATM取款：
实体银行卡每天可在ATM机上取12次款。每天取款总限额如下：
美元：2500美元;
英镑：1500英镑;
欧元：2100欧元;
澳元：3750澳元.

轻触即付交易的单笔限额如下：
美元：50美元;
英镑：30英镑；
欧元：50欧元;
澳元：100澳元.

不收费。Shyft不收取任何刷卡费用。

确保只在知名银行取款，避免在无标示或孤立的ATM机上取款。避免按照ATM机指示，兑入或兑出您的银行卡内未存储的币种。

首先检查您已通过现金钱包为银行卡充值：点击实体银行卡图标旁边的“充值”按钮，选择您要充值的金额。 如果银行卡仍无法使用，请立即通过应用内聊天功能联系技术支持人员，或发送邮件至 support@getshyft.co.za。 请提供故障的具体信息，交易数额，以及银行或ATM机的名称。

按照下列步骤变更银行卡PIN码：登入Shyft应用；在现金钱包中选择实体银行卡图标；点击屏幕右上方的垂直省略号；点击“变更PIN码”

禁用一张银行卡仅使该卡不再能使用，直到您重新激活它。重新激活后，该卡仍可正常使用。删除一张银行卡将使这张卡永远不能使用。银行卡一旦删除，不可再次激活或使用。

立即在Shyft应用里点击银行卡图标，点击屏幕右上方的垂直省略号，选择“delete card”，停用这张银行卡。之后可以点击“order physical card”来获得一张新卡。 如果丢失/被盗的银行卡被盗刷，请联系技术支持人员，并提供您使用该卡盗刷交易的信息。
安全性
我的智能手机丢了，我该怎么办？

请在新的手机上下载该应用，并立即重置密码。

立即打开应用，更换密码：点击应用左上角的三条横线（菜单），点击个人菜单。滑动屏幕，选择“更换密码”选项并点击。按照操作提示输入原密码，输入新密码并确认。**禁止与任何人共享密码**
联系我们
我的问题不在常见问题列表里。如何获取更多帮助？

您可以通过应用内聊天功能直接联系我们：请点击屏幕右上方的问号图标。此外，您还可以在网站（getshyft.co.za）的“Contact Us”页面留言。我们的客服人员在线时间为每周一至周五，上午8点至晚上8点。

您可以点击导航栏的支持图标，选中“Request support call back”按钮。填写相关信息和您的请求，并等待技术人员在24小时内联系您。所有请求将按优先级顺序进行处理。
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